Easy Home Finance Calculator
Compare home finance the easy way. Get your mortgage finance estimate now!
This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Streamlined Finance Services, User-Friendly Loan Tools
Securing the best interest rates is crucial to securing the most affordable finance. Buyers are presented with numerous options including fixed and variable rates, split loans, different rates for different LVRs, different products and varying rates for different applicants.
We simplify the process by finding the most competitive rates from across our vast lender accreditations. To compare how competitive we are with other lenders, use our loan calculator.
Quickly calculate estimated repayments based on different rates, for the loan product and loan amount required.
For your specific rate, based on your application and profile, request a quote!
Request a quote or apply to a bank or lender and you’ll cover one lender option. Request a quote or apply through us, and you’ll have more than 80 lenders covered. More lenders and more opportunities to secure the best current rates in the market. Make finding your best property loan rate easier – request a quote from our experts!
- Specialist home loan brokers.
- 80+ lenders for most competitive loan rates.
- Experts to ease the save and hassle of securing the best rates.
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Save time and confusion in covering the extensive and complex property lending market to find the most affordable loan. Use our services and simplify the entire process to secure the most competitive rates and most suitable lending product. As specialists in property lending with 80+ lender connections, we provide a comprehensive portfolio of loans and expert lending services.
Connect online to request a quote or get quick repayment estimates using our loan calculator.
Streamlined Finance Services, User-Friendly Loan Tools
Different lending products suit different types of buyers and properties – owner-occupiers, investors, renovators, land and house packages, low deposit buyers, and those seeking to use the equity in their properties to secure financing. As specialists in the property loan market, we offer a full selection of the latest lending products from 80+ lenders and experts to advise the most suitable option for your purchase. Take the complications out of finding the most suitable lending option, connect with our experts for professional advice and support.
Securing the most affordable property loan can start with selecting an affordable property. Our loan calculator makes it simple to convert the price of a property and/or the amount required to make the purchase, into repayment estimates. Any number of properties can be quickly compared based on repayment estimates. Select the appropriate interest rate for the preferred lending product. Set your property price range, narrow the search to less properties and less inspections, and speed up the purchase process. For a mortgage quote on any property you are interested in, contact our brokers online or by phone for prompt attention.
Acquiring the 20% standard deposit for an owner-occupier property loan can be a challenge and very often an obstacle to owning your own residence. We have connections with lenders that do approve affordable loans with lower deposits. Loans with deposits in the 5-10% range are possible, subject to meeting lender conditions. The risk is assessed as higher than standard deposit loans so higher rates typically apply. Borrowers may also be required to cover the costs of Lender Mortgage Insurance. For an affordable loan with a lower deposit, request a mortgage consultation.
Property is an extremely popular investment choice for many investors, with good long-term capital growth and returns highly achievable. While the property values may increase with the market, realising a positive return on outgoings compared with rental income, can depend on the financing. We have access to specialist mortgage products for investors, with 10% deposits acceptable by many of our lenders. Our brokers work with investors and our lenders, to secure rates, terms and conditions which deliver an affordable and workable repayment schedule. To have your investment financing personally handled by experts, request a mortgage consultation.
Refinancing a mortgage when the term for a fixed rate ends may present a major undertaking for many homeowners. Deciding whether to stay with the current lender, switch lenders, change to a variable rate loan…there are many important decisions to be made. Our specialist mortgage brokers simplify the process by sourcing the most competitive rates and lending products for homeowners to consider. New loan products are regularly being released and our experts are across the market. Request a mortgage consultation to discuss your requirements with one of our brokers.
Select from Comprehensive Property Loan Portfolio
Different lending products suit different types of buyers and properties – owner-occupiers, investors, renovators, land and house packages, low deposit buyers, and those seeking to use the equity in their properties to secure financing. As specialists in the property loan market, we offer a full selection of the latest lending products from 80+ lenders and experts to advise the most suitable option for your purchase. Take the complications out of finding the most suitable lending option, connect with our experts for professional advice and support.
Tools to Convert Property Prices to Loan Repayment Estimates
Securing the most affordable property loan can start with selecting an affordable property. Our loan calculator makes it simple to convert the price of a property and/or the amount required to make the purchase, into repayment estimates. Any number of properties can be quickly compared based on repayment estimates. Select the appropriate interest rate for the preferred lending product. Set your property price range, narrow the search to less properties and less inspections, and speed up the purchase process. For a mortgage quote on any property you are interested in, contact our brokers online or by phone for prompt attention.
Specialist Services for Low Deposit Property Loans
Acquiring the 20% standard deposit for an owner-occupier property loan can be a challenge and very often an obstacle to owning your own residence. We have connections with lenders that do approve affordable loans with lower deposits. Loans with deposits in the 5-10% range are possible, subject to meeting lender conditions. The risk is assessed as higher than standard deposit loans so higher rates typically apply. Borrowers may also be required to cover the costs of Lender Mortgage Insurance. For an affordable loan with a lower deposit, request a mortgage consultation.
Individually Structured Investment Property Loans
Property is an extremely popular investment choice for many investors, with good long-term capital growth and returns highly achievable. While the property values may increase with the market, realising a positive return on outgoings compared with rental income, can depend on the financing. We have access to specialist mortgage products for investors, with 10% deposits acceptable by many of our lenders. Our brokers work with investors and our lenders, to secure rates, terms and conditions which deliver an affordable and workable repayment schedule. To have your investment financing personally handled by experts, request a mortgage consultation.
Simplify the Mortgage Refinancing Process
Refinancing a mortgage when the term for a fixed rate ends may present a major undertaking for many homeowners. Deciding whether to stay with the current lender, switch lenders, change to a variable rate loan…there are many important decisions to be made. Our specialist mortgage brokers simplify the process by sourcing the most competitive rates and lending products for homeowners to consider. New loan products are regularly being released and our experts are across the market. Request a mortgage consultation to discuss your requirements with one of our brokers.
Directly Connect with Home Loans Specialists Broker - 80+ Lenders, Complete Loan Portfolio
- Complete selection of loan products.
- Support from specialist brokers to source the best rates.
- Experts to source and advise on latest lending options.
- Simplify finding the right mortgage.
- Owner-occupier, investor, construction loans.
Get Quick Estimates with Our Easy Home Finance Calculator
Use our property loan calculator to quickly estimate loans for all types of properties and all lending products. The calculator provides estimated repayments on the figures you enter for borrowing amount, interest rate and term. Empowering buyers to assess the affordability of properties at different prices, compare fixed and variable rate options, compare the competitiveness of banks and lenders, and prepare budgets for building and renovation projects.
We’ve incorporated up-to-date technology into the device, to ensure reliability of the results and to provide a user-friendly tool for all property buyers. Calculate estimates on as many configurations as you need to support your buying and financing decisions. Follow-up using the calculator by requesting a quote for your best rate and best financing offer.
- Get repayment estimates with 3 quick steps.
- Versatile, flexible home finance calculator.
- User-friendly, online accessibility.
Make It Simpler to Secure Affordable Property Loans
Our personal approach, individual attention and streamlined application procedures, simplify the process of securing the most affordable property loan. Our brokers are highly skilled and experienced, and handle sourcing the best rates, most suitable loan product, and negotiating arrangements with lenders. We’ll explain the specifics of the loan, ensuring you are fully informed and have confidence to proceed with your property ownership process.
Loan applications can be uploaded using our online systems or by phone directly with one of our brokers assigned to handle your individual requirements. Pre-approved applications are available to provide confirmed borrowing limits and confidence for buyers prior to purchase. Request your mortgage consultation today!
Most Frequently Asked Questions About Mortgages
What services does a mortgage broker provide?
A mortgage broker provides a comprehensive property loan service to assist buyers secure the most suitable loan. Brokers are accredited with a selection of banks and non-bank lenders. This provides them with approval to source loans through those lenders for property buyers. Brokers find the most suitable loan, advise buyers of their options, and handle the loan arrangements.
Can I get my property loan confirmed before deciding on a property to buy?
Yes. Applications for property loans can be submitted and approved prior to purchase. Conditional approval of a borrowing limit is provided with pre-approval, and the exact details finalised after the purchase is made. Pre-approved loans may be sought for all types of loans and property purchases.
How is the calculator generated repayment different from getting a mortgage quote?
Online property loan calculators are used to calculate estimates based purely on the numbers entered by the calculator user. A quote is based specifically on the financials and credit profile of the buyer and is an accurate repayment figure. Online calculators do not include the fees and charges applied by lenders. A quote will include these charges.
What is a mortgage consultation?
A mortgage consultation is a session with a mortgage broker where the broker can discuss and assess the buyer’s position and requirements. The broker can present loan options and advise buyers of their loan options prior to applying for financing.
Does Lender Mortgage Insurance apply to all property loans?
No. Lender Mortgage Insurance applies to some low deposit loans. Low deposits are classified as below the 20% standard deposit. Investment property loans may be secured with 10% deposit without LMI.
What are the loan options when buying a land and house in a package?
A land and house package may be financed with a single mortgage or with separate loans, depending on how the purchase is made. A construction loan may suit the house component where the house is being built and payment of builder progress claims is required. A broker can discuss the most suitable option for individual purchases.
What property buyers can use mortgage brokers?
Buyers of all types of properties can use mortgage broker services. This includes owner-occupiers, first-home buyers, investors, refinancers, renovators and buyers requiring specialist loans such as reverse mortgage.
How do you use a loan calculator?
A property loan calculator is an online device. To use the device, users enter the figures relating to their loan requirements including the amount required for the loan, the interest rate for the relevant loan product and the term. The calculator carries out the computations to show the estimated repayments based on those figures.
What is the minimum deposit for a property loan?
The standard deposit required by lenders on owner-occupier property loans is 20% of the price or property value. Loans for investment properties can be approved based on a 10% deposit. Loans for deposits in the 5-10% range may be approved, subject to meeting lender approval criteria. Low deposit loans can attract Lender Mortgage Insurance which is passed onto the borrower in lender fees.
What financing is available to cover renovation costs?
Major renovations may be financed with Construction Loans. These loans are suited to major building works such as additional floors and rooms, swimming pools, extensions and where structural changes are made to the property. When applying for this type of loan, homeowners need to provide council-approved plans or plans that are before council for approval and builder quotes along with other documents. Construction loans may be provided as drawdown facilities or in instalments which are scheduled to meet builder progress payments.
Let Yes Home Loans simplify the process by taking care of the complicated steps for you
